Stock Yards Bancorp Valuation

Is S4Y undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of S4Y when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: S4Y (€58) is trading below our estimate of fair value (€102.99)

Significantly Below Fair Value: S4Y is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for S4Y?

Other financial metrics that can be useful for relative valuation.

S4Y key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio3.2x

Price to Earnings Ratio vs Peers

How does S4Y's PE Ratio compare to its peers?

The above table shows the PE ratio for S4Y vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average9.6x
EZ4 SpareBank 1 Sørøst-Norge
11.8x12.9%€813.4m
PCZ ProCredit Holding
4.8x9.7%€512.4m
EFSC Enterprise Financial Services
11.1x-0.07%US$1.8b
CASH Pathward Financial
10.9x5.5%US$1.8b
S4Y Stock Yards Bancorp
17.9x5.6%€1.9b

Price-To-Earnings vs Peers: S4Y is expensive based on its Price-To-Earnings Ratio (17.9x) compared to the peer average (9.6x).


Price to Earnings Ratio vs Industry

How does S4Y's PE Ratio compare vs other companies in the European Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a0.4%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a0.4%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: S4Y is expensive based on its Price-To-Earnings Ratio (17.9x) compared to the European Banks industry average (7.5x).


Price to Earnings Ratio vs Fair Ratio

What is S4Y's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

S4Y PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio17.9x
Fair PE Ratio9.3x

Price-To-Earnings vs Fair Ratio: S4Y is expensive based on its Price-To-Earnings Ratio (17.9x) compared to the estimated Fair Price-To-Earnings Ratio (9.3x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst S4Y forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€58.00
€59.31
+2.3%
2.2%€61.04€57.40n/a5
Oct ’25€53.50
€59.23
+10.7%
2.6%€61.68€57.14n/a5
Sep ’25€54.00
€60.15
+11.4%
2.9%€62.69€58.08n/a4
Aug ’25€54.50
€60.15
+10.4%
2.9%€62.69€58.08n/a4
Jul ’25€45.40
€50.34
+10.9%
6.1%€55.93€46.61n/a5
Jun ’25€42.60
€50.34
+18.2%
6.1%€55.93€46.61n/a5
May ’25€41.20
€50.34
+22.2%
6.1%€55.93€46.61n/a5
Apr ’25€45.00
€50.06
+11.3%
7.6%€57.27€46.19n/a5
Mar ’25€41.20
€51.89
+26.0%
7.1%€57.11€48.82n/a3
Feb ’25€44.40
€51.89
+16.9%
7.1%€57.11€48.82n/a3
Jan ’25€46.40
€46.96
+1.2%
15.2%€56.35€39.08n/a3
Dec ’24€42.40
€42.10
-0.7%
6.8%€46.10€39.64n/a3
Nov ’24€36.60
€45.70
+24.9%
10.8%€53.04€40.73n/a4
Oct ’24€36.60
€49.31
+34.7%
12.2%€55.21€38.08€53.505
Sep ’24€42.60
€49.47
+16.1%
5.6%€53.34€45.98€54.005
Aug ’24€42.40
€49.60
+17.0%
4.9%€52.88€45.59€54.505
Jul ’24€41.20
€50.48
+22.5%
11.3%€59.55€41.69€45.405
Jun ’24€39.00
€50.86
+30.4%
9.3%€59.25€44.66€42.605
May ’24€43.60
€50.86
+16.7%
9.3%€59.25€44.66€41.205
Apr ’24€50.50
€58.86
+16.6%
10.2%€67.85€50.43€45.005
Mar ’24€54.00
€61.71
+14.3%
5.8%€67.95€57.85€41.205
Feb ’24€54.00
€61.71
+14.3%
5.8%€67.95€57.85€44.405
Jan ’24€61.00
€70.01
+14.8%
4.1%€73.94€65.52€46.405
Dec ’23€69.50
€75.45
+8.6%
3.9%€79.26€70.23€42.405
Nov ’23€78.50
€75.45
-3.9%
3.9%€79.26€70.23€36.605
Oct ’23€69.50
€71.08
+2.3%
4.6%€73.96€64.71€36.605

Analyst Forecast: Target price is less than 20% higher than the current share price.


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